Bermuda, an Atlantic island known for its pink-sand beaches, pastel houses, and British colonial heritage, offers a refined yet relaxed travel experience. Whether you’re exploring the historic streets of St. George’s, snorkeling in Horseshoe Bay, or cycling along the Railway Trail, understanding how to access cash is helpful. While cards are widely accepted at hotels, restaurants, and shops, cash may still be needed for taxis, small purchases, or local services. This guide covers everything you need to know about cash and ATMs in Bermuda, including withdrawal fees, transaction limits, exchange rates, and card usage, ensuring a seamless and enjoyable visit.
Where to find ATMs in Bermuda?
Hamilton, the capital city, has a strong concentration of ATMs, especially near Front Street, Church Street, and major bank branches. ATMs are operated by HSBC Bermuda and Clarien Bank, the two main banks on the island. They dispense Bermudian dollars (BMD), which are pegged 1:1 with the U.S. dollar, and many machines also accept foreign cards.
Tourist Spots:
Popular areas such as Dockyard, St. George’s, and Horseshoe Bay Beach have ATMs near ferry terminals, shopping complexes, or tourism service centers. Resorts and large restaurants often have machines on-site or nearby. While card acceptance is high, it’s still helpful to carry cash for taxis, tips, or small vendors.
Rural Areas:
In less-populated parts of the island like Tucker’s Town or Somerset Village, ATMs are few and far between. Public transportation access may also be limited in these areas, so it’s best to withdraw cash in Hamilton or at the airport before heading out.
Best ATMs to use in Bermuda for foreigners
The best ATMs for foreigners to use in Bermuda are those owned by popular banks such as:
- HSBC and
- Clarien Bank.
Don’t accept conversion at ATMs and withdraw only in local currency
In Bermuda, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in BMD).
– If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
– If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees, select ‘Decline/Without’ Conversion or ‘Charge in BMD’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Bermuda?
Yes, many foreign debit and credit cards are widely accepted at ATMs in Bermuda. ATMs commonly accept Visa and Mastercards. Some of them also accept Plus and Cirrus cards. Only some accept American Express, Diners, Discover cards. Others like CUP, JCB, Maestro or Rupay cards are usually not accepted.
What are the ATM opening hours?
ATMs in Bermuda are generally open 24/7, especially those attached to bank branches and near ferry terminals. Machines inside hotels or shopping centers may follow the venue’s hours.
What are ATMs called in Bermuda?
They are known simply as “ATMs”, with signage usually indicating the bank (e.g., HSBC Bermuda or Clarien Bank). You’ll find clear labels near entrances and lobbies.
Language options at ATMs
English is the only language on ATMs in Bermuda, as it is the official and primary language.
You can use Google Translate App’s camera function to translate the ATM screen if you don’t understand these languages, but be cautious as the translations may not be entirely accurate.
What currencies can I withdraw from ATMs in Bermuda?
ATMs in Barbados dispense mainly Bermudian dollars (BMD) – the official local currency. Some ATMs may offer the option to withdraw US Dollars but it is not common. Note – that both BMD and USD are widely accepted by businesses here. And they both are pegged at 1:1 value of each other.
ATM withdrawal limits in Bermuda?
ATMs in Bermuda have a maximum withdrawal limit per transaction of BMD 500 to BMD 2,000. Banks usually do not limit the number of transactions per day.
ATM Fees in Bermuda
There are many fee-free ATMs in Bermuda. Majority of the Bank ATMs in Bermuda do not charge any ATM Access Fees per transaction to foreign card holders.
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Bermuda. These are:
1. Currency Conversion Fees (Accept or Decline Conversion)
2. Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Bermuda
Use the lower fee ATMs in the country.
Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
Consider getting fee-free cards from your home country.
Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Bermuda?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Bermuda. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Bermuda. Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Safety at ATMs
Bermuda maintains a low crime rate, and ATMs are generally safe to use. However, minor thefts and opportunistic crimes can happen, particularly in busy public areas and near transport hubs. Use ATMs located inside or directly outside bank branches, and avoid using machines on quiet streets or at night. It’s wise to shield your PIN during transactions and to avoid displaying large amounts of cash. Keeping an eye on your account activity during your stay adds an extra layer of security.
FAQs
What to do if an ATM takes your card?
If an ATM in Bermuda takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs in Bermuda?
Yes, its possible. There are many fee-free ATMs in Bermuda. Majority of the Bank ATMs in Bermuda do not charge any ATM Access Fees per transaction to foreign card holders.
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Bermuda?
Yes. ATMs in major cities in Bermuda and international hotel chains accept many types of international cards.
Bitcoin ATMs?
There are no known Bitcoin ATMs currently operating in Bermuda. Some platforms like Coinhub offer alternative crypto services, but no physical Bitcoin ATM locations are confirmed.
Foreign bank ATMs’ presence in Bermuda
- Bank of America: No, there are no Bank of America ATMs here.
- Citibank: No, Citibank does not operate ATMs in Bermuda.
- Barclays: No, Barclays has no ATM presence here.
- HSBC: Yes, HSBC operates consumer ATMs on the island.
- Standard Chartered: No, Standard Chartered does not maintain ATMs here.
